Someone hit my car on Saturday in a 6 corners intersection in the city. I was on one street and they were on another, when I went to gather their insurance the woman driving the car said her son was going to be late for work, they said lets switch insurance info. When I went to get my info from my car they drove off. Little did they know I looked at her license plate and did a police report and she has been identified. I have UM insurance, and the accident was her fault. Although we have yet to be able to hear from the lady I assume that I won't have to pay my deductible right? Since I have UM? Which would mean even if she has no insurance wouldn't my UM cover the charges? If I do end up paying the deductible once she comes forth can I get my money back?
Underinsurance coverage usually applies to personal injury in NYS so you would be out your deductible.
When you file a claim with another driver's insurance company, you do not have to pay a deductible.
You are confused. Assuming you are NOT injured and are only talking about property damage, here is how it would work. First of all, the UM doesn't apply to no injury situations. It is your collision coverage that does, and that does include a deductible you'll have to pay. However, it is possible your carrier can track down the other driver and their carrier and try to recover your deductible and return it to you.
So, yes, if you want your car repaired, you have to pay the deductible.
The other thing you should do right now is to file a police report immediately, providing the license number etc. that you have for the other driver.
Finally, take photos of your vehicle and get 2 estimates, and report a claim to your carrier.
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UM coverage does not apply to property damage, unless you've specifically purchased UMPD coverage. If you have collision coverage, then yes, the deductible applies to damages caused by a hit and run driver. If you were injured, no there is no deductible against your claim for injuries against the UM coverage, but this coverage will not pay for repairs to your vehicle.
If you're insurance company gets back the money they spend repairing your car, they will refund the deductible to you at the same time and in the same percentage.
A free consultation is not legal advice, nor is the answer to the question listed above or anything posted on this website. This answer is general information. Proper legal advice can only be obtained after hiring an attorney and providing full information regarding your case
The UM coverage does not cover your property damage. That is for your personal injuries if the at-fault driver has no coverage. You do have to pay your deductible if your insurance company pays for your property damage. Your insurance company will then sue the at-fault driver in a subrogation action. If they recover for the property damage, you will be reimbursed for your deductible by your insurance. If you were injured, seek medical attention immediately and contact a personal injury attorney.
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